Had I not called, I'd have not known their policy had "changed". (I hadn't called in over a month or so because of the whole "it may take UP TO 90 days" thing). Even waiting up to 90 days was bad, but I sucked it up and expected to wait that long, but anything over 90 days in unacceptable. They need to get an influx of cash to resolve these refunds they owe customers but saying "indefinitely" is not an acceptable answer. If your company can't pay you today, but at least gave you a specific timeline in which you would get paid, some people will accept that especially given the current situation. BUT, to say "I have no idea when or if you'll get your money"..... that's not acceptable. I'm contacting my bank and hopefully the fact I paid with my debit card (it was a last minute purchase for Spring Break with my grandson so just paid in full and didn't charge it), that won't be a factor in filing a claim. Thanks.

74 days since my 3/13 cruise was cancelled. I have an actual email letter from Carnival stating that they "Issued a refund on 3/20/20" for both cabins" but still no refund of basically $2,000 due me for two cabins. As with others, have called and reluctantly "accepted" the "it may take 90 days to actual receive the refund". My concern is that during this time, the card I used to pay for the cruise was lost and had to be reissued with a different number of course. I called my bank and they said that shouldn't cause a problem with refunds (it still gets posted), but when I called Carnival today to speak to them about that concern, I was told it may now be "more than 90 days as originally stated and be prepared to have to wait INDEFINITELY for the refund". I had him repeat it twice because while waiting "up to 90 days" sucked, this is ridiculous. Has anyone else heard this???

UPDATE: 74 days since my 3/13 cruise was cancelled. Still no refund. I have an actual email letter from Carnival stating that they "Issued a refund on 3/20/20" for both cabins". As with others, have called and reluctantly "accepted" the "it may take 90 days to actual receive the refund". I've seen the helter skelter, no rhyme or reason for refunds received on this post which makes it even more frustrating. My concern is that during this time, the card I used to pay for the cruise was lost and had to be reissued with a different number of course. I called my bank and they said that shouldn't cause a problem with refunds (it still gets posted), but when I called Carnival today to speak to them about that concern, I was told it may now be "more than 90 days as originally said and be prepared to have to wait indefinitely for the refund". Has anyone else heard this???

Update:
Received a refund for the pre-paid dinner reservation (Listed as Carnival Gift shop on my credit card) but NOT the refund for the actual cruise which is close to $2,000.
Cancelled cruise 3/13 and got the pre-paid dinner (gift shop) refund on 5/7/2020.
Was hoping that the cruise portion would be the next day but so far, nothing.
Doesn't seem to be any reason behind the sequences since I see posts with full refunds for sail and even cancel dates after ours.
Thinking about doing the dispute with my bank next week if I don't see the remainder refunded soon.

Our cruise was March 13th and still no refund. We got an email from Carnival saying they "processed" our refund (almost $2,000 since we had two cabins) back in March. We got the refund for the taxes, port fees etc (roughly $380 for the two cabins) two days later, but still waiting for the $2,000. I've called and the rep just said they had no idea when it would be back on my card. It's comforting to know some refunds are coming in, but definitely not in the order they were cancelled. That is confusing. Crossing fingers ours is soon because we are like most people and could use the money. Thanks for the update.

We also were told it would up to 90 days for our 100% refund. Our March 13 cruise was cancelled by Carnival, as was the flight. (we got a letter from Carnival telling us they were refunding our money). We got the "taxes/fees" credited within 3 days from Carnival and got the refund from the airlines in 3 days. But after 3 weeks, not days, still nothing so called Carnival to check and was told that the cruise portion of the refund would take up to 90 days. That seems excessive given the fact the airlines refunded within a week. Carnival cancelled so I would think they wouldn't be able to hold onto our money for that long. What if they go bankrupt before issuing the refunds?? We purchased cruise insurance but because of the virus already being stated, if we file a claim we were told 1) it may be rejected or 2) if paid, likely only for 50%, but before we could even file a claim, we were told by the rep that we have to "reject" the refund offer from Carnival so we have a "loss" to claim. But if we do, and the claim is denied, we are screwed. Or if we don't, and Carnival goes bankrupt, we loose too because we'd have missed the deadline to even file a claim to see if it might get paid. Ugggh. Anybody else with this dilemma??

I have a CFAR policy that DICTATES that my cruise be cancelled more than 48 hours out and the cruise is in 3 days. I booked thru a T/A so the cancellation has to be done by them BUT they can't get through either. I went ahead and emailed both Carnival and the Cruise Insurance as well to let them know I'm trying to cancel and meet my "deadlines" but my T/A can't get through to cancel. Hopefully that works. Will try again when my T/A office opens. Cross fingers.

I was told by Carnival and by AAA (travel agent) that you can never get both the FCC and the 75% insurance because it's either one or the othe. I do agree with you though, and the fact they issue a FCC is not the same as a refund because I'll likely never be able to use it. We never go on Carnival, in our 60's, and was only doing this as our last trip with our grandson before he heads off to college. Does anybody know for certain. I worry about speak to insurance companies because they might "use" what I tell them against me. I am cautious about such things.

Cancelling my cruise for this Friday. I have Cancel for Any Reason. But, my T/A has been on the phone with Carnival twice now and gotten two different answers as to what will happen if I cancel. I want to use my CFAR insurance and get the 75% refund. BUT, one Carnival rep said I HAVE to take the FCC (taxes, etc. are refunded). Another said I can waive that since I'm using my CFAR. BUT T/A rep says he thinks the FCC is an automatic computer generated thing. If so, won't the insurance company then deny my claim if Carnival tells them they issued me credit? I'm sooooo confused. Right now can't get through to Carnival anyway (my T/A lost the call midway yesterday so suggested calling back today so I'm still under my 48 hour window) but now Carnival phones are down. Has anyone else dealt with this scenario (declining the FCC so the CFAR insurance will pay?). Thanks???

Please excuse my confusion, but this refund vs FCC is totally confusing me. I thought the only thing refunded was for drink packages, prepaid dining, excursions, etc. The amount not refundable (like cruises this week) are only FCC to be applied to your "Carnival "account". I've tried calling a few times and not getting through so just wondering if I'm missing something. Thanks!

Oh I'm not. In fact, all I ever say is that I've decided to cancel when I spoke with AAA. But, the timing and what to cancel, given the 75% and the fact the 4th person isn't covered, is my question for someone with more experience than me to hopefully give insight. Don't want to make a stupid mistake out of ignorance.
I know someone who has cancelled with Princess who had the CFAR (a Princess insurance policy), only got 75%, and then requested a FCC from Princess and said they issued them a voucher for the difference after the fact. Interesting thought so sharing that. But that was Princess. Who knows with Carnival.

I purchased the CFAR for my cruise. Two cabins. Two in each. BUT, since 1 person was in another state, had to get two policies. My policy covers me and a minor in mine, and the other minor in cabin 2. The other adult elected not to get cruise insurance (which the insurance agent said was not a requirement). Policy only covers 75%. Cabin one is no problem. Cancel and get the 75%. But before I cancel, trying to get answer to whether the insurance will pay the 75% for the minor in cabin two, and since the other person is not covered by insurance, get a FCC for that uninsured person. I called AAA and they are slammed and nobody knew. On hold now with the insurance company for over an hour already. Figured I'd post the question in case anyone has experience with such a situation.
Also, AAA did say that the travel vouchers by Carnival are for the "person" and non-transferable. This was the only time in the next year that this minor could travel with us (grandson). If we have to do a FCC for cabin 2 (i.e., the insurance would not be used for cabin 2/person #3), would we be able to first call Carnival and change the "passenger" from the minor to myself so when we cancelled cabin 2 the next day, the voucher would be issued to myself?). Since I'm technically sailing on the same cruise, the timing would dictate I cancel my cabin first, then change the passenger name on cabin 2, then call and cancel to get the FCC for cabin 2. Will that work?? We are trying not to loose as much money as we can and not make mistakes on how to handle best. Thanks!!

FYI, I purchased Cancel Anytime Insurance just last month for a Spring break cruise with my grandson this March and also a Transatlantic in October/November (Italy). I was told by the agent that once the virus was "announced" or whatever (likely the date of 1/22 that you mentioned), the ONLY policy that would be valid to use to cancel in that case would be "cancel or any reason" addendum. That piece is time sensitive and has to be purchased within XX days from first deposit (from 14 to 21 days if I remember correctly). BUT, get this, I was told that in the event someone did have the Cancel for Any Reason insurance, it's best to not give a reason IF asked (again, depending on the insurance company). If asked, do not say anything about the coronavirus. Simple say I decided not to go. It shouldn't matter because it's cancel for any reason, but that was the advice given to me by the agent so just sharing. (something about this "fine print about outbreaks previously announced blah blah blah" exclusion). Better safe than sorry I say.